lots of ppl claim they can't learn philosophy cuz they are busy with life and a big part of that is making money
it's a little like the guy too busy reading novels to ever learn speed reading
it's so important to fit in some powering up ASAP. some becoming more time efficient, becoming more effective at stuff per effort spent, etc
the more of that you fit in and the earlier, the more it becomes easier to fit in even more later
cuz it pays for itself many times over, so you can use the savings to power up more
it's such a virtuous cycle. but people get stuck in the vicious cycle of too busy to ever learn to be more time efficient.
ppl spend decades struggling with money. a few years studying philosophy can yield a significant efficiency multiplier on that effort. which can quickly pay for itself and then provide both more money as well as time for further philosophy study.
if you agree, a good place to begin learning is Fallible Ideas.